You make good money. You have a plan somewhere. What you are not sure about is whether anyone is actually watching the whole thing. Right now, you probably have an advisor for investments, a CPA for taxes, and maybe an attorney for estate documents. None of them talk to each other. You are the one in the middle, repeating your situation to three people who each see one slice of it. I build the financial plan, and I prepare and file your tax return myself. Same person, same conversation. The tax decision and the planning decision get made together, by someone who can see how one moves the other. Most advisors hand you off to a CPA who has never seen your plan. I do not hand you off. I work with dual-income parents, director level and up, two demanding careers, kids at home, and a financial life that has gotten more complicated than you have time for. Equity comp you have not fully sorted out. College creeping up. Estate documents written before your last job change. All of it in motion at once, and no one holding it together. What I give you back is time. One relationship instead of many. One person who knows the whole story, so you stop being the project manager of your own financial life. None of these pieces is that hard on its own. The coordination is what you do not have the hours for. That is the part I take off your plate. I am raising four kids of my own, including a set of triplets, so I plan from inside this life stage, not from a brochure. I know what it costs, in money and in attention, to do this well. If you are tired of being the one who holds it all together, reach out. I will tell you honestly whether I am the right fit.

Sean R. Sparkman, AIF®, is the founder of Pathfinders Wealth and an investment adviser representative with Foundations Investment Advisors, LLC. Based in Commerce Township, Michigan, he works with families, retirees, and business owners nationwide by phone and video and throughout Southeast Michigan in person by appointment. His work focuses on retirement income planning, investment management, Social Security, Roth conversions and other tax-aware planning decisions, life insurance, annuities, survivor planning, and long-term family and legacy goals. Sean's approach is simple: every dollar should have a job. Depending on the client, that job may be growth, income, liquidity, tax efficiency, protection, or legacy. The job comes first; the product comes after. Investment advisory services are offered through Foundations Investment Advisors, LLC, an SEC-registered investment adviser. Insurance products are offered separately through appropriately licensed insurance professionals. Estate-planning matters may be coordinated with a client's independent attorney; Sean does not provide legal services.

Lawrence Zimbler is the sole advisor at 4Square Advisory Services, Inc. in Fenton, MI, holding Series 63 and Series 65 licenses with 16 years of industry experience. He has worked at Ridgeway Conger Advisory Services Inc. and has maintained a long-standing role with the National Association of Tax Professionals since 2005. In addition to his advisory work, he owns a tax preparation and education business that provides tax return preparation, advice, representation, and continuing education for tax professionals. 4Square Advisory Services primarily serves individual and high-net-worth clients with portfolio management and financial planning, utilizing written Investment Policy Statements tailored to client goals. The firm employs a model-driven investment process covering mutual funds, fixed income, REITs, ETFs, annuities, TIPS, and international securities, often with discretionary trading authority, and offers fiduciary advice for retirement accounts and services to tax-exempt organizations.

Bassam Salem is a financial advisor at Objective Investments, LLC with 39 years of industry experience. He holds Series 63 and Series 65 designations and has been with Objective Investments since 2018. Prior to that, he worked at InvestShares Advisor Group Inc. and InvestShares from 2016 to 2018. Objective Investments provides fee-based investment management services to individuals, high-net-worth clients, corporations, and qualified retirement plans. The firm offers both discretionary and non-discretionary portfolio management, employs a variety of investment strategies, and provides specialized services to employer-sponsored retirement plans as a limited-scope ERISA 3(21) fiduciary.

Natalie Miller is the principal advisor and owner of Grit and Lavender Financial Planning, an independent firm based in Brighton, Michigan. She holds Series 63 and Series 66 designations and has 14 years of industry experience, including roles at Merrill Lynch, PNC Investments, and Mass Mutual Life Insurance Company. Outside of her advisory work, she provides non-securities related consulting, coaching, and virtual instruction for securities licensing exams. Grit and Lavender Financial Planning serves individual clients with services ranging from ongoing investment management to one-time financial plans and hands-on financial coaching. The firm primarily employs a passive investment approach using index mutual funds and ETFs, supplemented by fundamental and technical analysis, and offers a subscription-style billing model with educational seminars and fee-based courses.

Robert Laura is a financial advisor with Wealth & Wellness Group, LLC in Brighton, MI, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has been involved with Synergos Financial Group, L.L.C. dba Osborn Wealth Management since 2009 and is also active in educational content development and workshops through Retirement Project LLC. Wealth & Wellness Group provides investment advisory and planning services primarily to high-net-worth individuals, trusts, estates, charitable organizations, and retirement plans. The firm employs a tailored portfolio management approach that emphasizes diversification, asset allocation, Modern Portfolio Theory, and fundamental analysis, managing both discretionary and directed client relationships.

Michael Cho is a financial advisor at Armor Wealth Strategies, LLC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Cutter & Company, Inc and Morgan Stanley Smith Barney LLC. Outside of advising, Cho serves as a fencing referee and volunteers as treasurer for the Disability Network of Oakland and Macomb Counties. Armor Wealth Strategies is a small advisory firm serving individual and high-net-worth clients with discretionary asset management, comprehensive financial planning, and ERISA 3(21) retirement-plan advisory services. The firm tailors portfolios to client goals and risk tolerances, employing a range of investment strategies and providing ongoing monitoring and quarterly reviews.

Daniel Ryan is the principal advisor at Daniel Ryan Financial LLC in Holly, MI, with 12 years of industry experience. He holds a Series 65 designation and previously worked at Jackson Financial for eight years before founding his independent firm. Outside of advisory work, he assists in family-related land management and works part-time as a sales associate in a lumber and hardware business. Daniel Ryan Financial LLC serves individual investors and a small number of institutional clients, including pension and profit-sharing plan sponsors. The firm provides portfolio management and financial planning, with a focus on employer-sponsored retirement plans, using an investment approach that combines cyclical and fundamental analysis with modern portfolio theory.

Bernard Shinkel is the sole advisor at Alpha Investment Management, Inc. in Novi, MI, holding Series 63 and Series 65 licenses with 16 years of industry experience. He has been with Alpha Investment Management since 2010. Alpha Investment Management is a Michigan-registered advisory firm providing discretionary portfolio management and wealth management services to high-net-worth individuals, family limited partnerships, corporate pension and profit-sharing plans, and charitable organizations. The firm employs a top-down, macro-oriented investment process that emphasizes diversified global portfolios with a focus on low-cost ETFs and index funds, aiming to manage risk and deliver steady returns.

William Winn is a financial advisor at Fiducial Partners LLC with 10 years of industry experience. He holds Series 65 and Series 66 credentials and has worked at several firms including Retirement Wealth Advisors and Newbridge Financial Group. In addition to advisory services, he operates as an independent insurance agent offering fixed insurance, life insurance, Medicare supplement, and annuity products. Fiducial Partners LLC provides discretionary investment management to individuals, trusts, estates, retirement plans, charitable organizations, and business entities. The firm constructs portfolios using equities, mutual funds, ETFs, and fixed income instruments, emphasizing tailored strategies based on fundamental and technical analysis, active allocation, and risk management.

Kristian Kalaj is the principal advisor at Kalaj Capital in Novi, Michigan, holding a Series 65 designation with two years of industry experience. He has worked as an independent contractor in general contracting since 2014, dedicating about 10 hours per week to this activity. Kalaj Capital provides asset management and financial planning services, offering continuous supervision of custodial accounts and comprehensive financial plans that cover tax planning, retirement, insurance, and other personal financial matters. The firm employs a combination of fundamental and technical analysis across various investment strategies, managing accounts on a separate-account basis with discretionary authority granted by clients.

Sevag Vartanian is the sole advisor at Vartanian Capital Management in Novi, MI, holding Series 63 and Series 66 licenses with 26 years of industry experience. Prior to founding his firm in 2019, he worked at Cambridge Investment Research Inc for five years. He is also involved with DGC Leasing, LLC, an equipment leasing business. Vartanian Capital Management provides discretionary and non-discretionary investment management to individuals, families, family offices, trusts, estates, private foundations, and qualified retirement plans. The firm employs fundamental analysis with a long-term strategy tailored to each client’s financial and tax situation, and is notable for its focus on servicing charitable and private foundations.

Brian Heal is the principal advisor at Heal Financial LLC in Novi, Michigan, holding Series 63 and Series 65 licenses with 19 years of industry experience. His prior roles include positions at Sports & Entertainment Investment Advisors, The Heal Agency, NYLIFE Securities, PKS Financial Corp, Major League Financial Group, and Woodbury Financial Services. He is also an independent insurance agent. Heal Financial, LLC provides discretionary investment management and financial planning services to individuals, trusts, and pension and profit-sharing plans. The firm employs a model-based approach featuring diversified portfolios, including a specialized Sports & Entertainment model, and integrates both long- and short-term holdings with options strategies.

Robert Minasian is a financial advisor at Personal Wealth Management, LLC with 27 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Prime Meridian Capital Management, LLC and Novus Investments LLC prior to his current role. Minasian is also involved in providing life insurance and fixed index annuity solutions through independent firms affiliated with his practice. Personal Wealth Management, LLC offers investment supervisory services and financial planning to individuals, business owners, and institutional clients. The firm manages customized portfolios using both fundamental and technical analysis, focusing on long-term holdings with tactical reallocations, and incorporates a range of investment vehicles including ETFs, mutual funds, and insurance products.

Wyatt Flynn is a financial advisor at Lakepoint Wealth Partners in Highland, MI. He holds a Series 66 designation and has two years of industry experience, including roles at JPMorgan Chase Bank, J.P. Morgan Securities, Raymond James, and Mutual of Omaha. Lakepoint Wealth Partners is a state-registered, fee-only investment adviser serving individuals, pre-retirees, retirees, growing families, and young professionals. The firm employs a long-term, passive, evidence-based investment strategy focused on strategic asset allocation, global diversification, low-cost ETFs, and periodic rebalancing, supported by a digital custodian platform that enables fractional share trading and integrated reporting.

Michael Demeyere is a CFP® professional with 15 years of industry experience, currently serving as the sole advisor at Summit Wealth Strategies Group, LLC since 2009. Prior to founding the firm, he was associated with Cynosure Financial, Inc. for ten years. Summit Wealth Strategies Group is an independent, fee-only registered investment adviser providing investment management, financial planning, and consultation services to individuals, high-net-worth clients, trusts, estates, charitable organizations, corporations, and other business entities. The firm also manages corporate and institutional retirement plans and offers non-investment business consulting, emphasizing long-term asset allocation and diversification through individualized portfolio management.

Steven Brown is a financial advisor at Precision Vector Financial with five years of industry experience. He holds a Series 65 designation and previously worked at Pinnacle Wealth Management, Inc. In addition to his advisory role, Brown is an air traffic controller with the Federal Aviation Administration and works as an independent insurance agent. Precision Vector Financial is a state-registered advisory firm providing retirement consulting, financial planning, investment management, and 401(k) plan administration. The firm utilizes a strategic asset allocation framework centered on index mutual funds and ETFs, with discretionary management guided by client-specific Investment Policy Statements.

Michael Prus is the president and founder of Scale Investment Group, an independent advisory firm. He holds Series 63 and Series 65 licenses and has 16 years of industry experience, including roles at Investment Counsel Inc and Freedom One Financial Group. Scale Investment Group serves individuals and institutional clients with a focus on retirement plan management, pension consulting, and sub-advisory services. The firm emphasizes low-cost, diversified portfolios using both quantitative and qualitative fund selection, offering discretionary and non-discretionary management alongside regular fund reviews and consulting projects.

Jeffrey Guy is a CFP® with 23 years of experience in financial advising. He is the principal of Verdura Wealth Management, LLC, an independent firm he founded in 2023, and has held roles at Veritas Capital Advisors and Kovack Advisors. He also maintains an insurance practice focused on fixed insurance sales. Verdura Wealth Management serves individuals, high-net-worth clients, and retirement plan sponsors with discretionary asset management, financial planning, and pension consulting. The firm customizes portfolios based on client objectives and employs multiple analysis techniques, offering specialized ERISA plan services as a limited-scope 3(21) fiduciary.

James Fydroski is a CFP® professional with 16 years of experience at Haas Financial Services Inc, where he has worked since 2010. He serves as treasurer for the Rotary Club of Milford, MI, and has been the editor of the Michigan Nut Growers Newsletter since 1991. Haas Financial Services Inc provides investment advisory and financial planning services to individuals, trusts, estates, and small businesses. The firm employs an active, trend- and momentum-based investment approach through its proprietary Haas Financial Money Management Program and offers both fee-based portfolio management and commissionable insurance products.